Can You Choose Who Repairs Your Car After an Accident?

Your Right to Choose a Repair Shop

After a car accident, you have the right to choose where your vehicle is repaired. While insurance companies often have networks of “approved” repair shops, you are not obligated to use them. It’s important to remember that your car is your property, and the decision on where to have it repaired ultimately rests with you.

Insurance Company Preferences

Insurance companies may try to persuade you to use their preferred repair shops. They might claim these shops offer better service or faster repairs. However, it’s crucial to understand that this preference is often for the insurer’s convenience and potential cost savings, not necessarily for your benefit.

Advantages of Choosing Your Own Repair Shop

Selecting your own repair shop can offer several benefits:
• Familiarity: You may have a trusted mechanic who knows your vehicle’s history.
• Quality assurance: You can choose a shop known for high-quality work.
• Personalized service: Independent shops may offer more individualized attention.
• Advocacy: Your chosen shop may be more likely to advocate for you if disputes arise with the insurance company.

Steps to Take When Choosing a Repair Shop

Research local repair shops and read reviews.
Ask for recommendations from friends and family.
Check if the shop specializes in your vehicle’s make and model.
Inquire about warranties on repairs.
Communicate your choice clearly to your insurance company.

Dealing with Insurance Company Pressure

If your insurer pressures you to use their preferred shop:
• Politely but firmly restate your choice.
• Remind them of your right to choose under consumer protection laws.
• Ask for any concerns about your chosen shop in writing.
• Consider contacting your state’s insurance commissioner if the pressure continues.

Potential Challenges

Be aware that choosing your own repair shop may come with some challenges:
• You might need to pay the difference if your shop’s estimate is higher than the insurer’s.
• The claims process could take longer if the insurer and your shop disagree on repairs.
• You may need to be more involved in coordinating between the shop and the insurance company.

Remember, while it’s your right to choose, it’s also your responsibility to ensure the repairs are done properly and at a fair price. Always get multiple estimates and thoroughly research any repair shop before making your decision.